Saudara Nor,Unfortunately not many officers especially of our time lived a frugal life like you. I remember in the sixties and seventies the priorities of many young officers was to buy sports cars like the MGAs and TRYMPTs sports cars to show off and enjoy life. It's only those who practiced moderation and saved money to buy a house and keep some savings were happily able to go into retirement without much 'hutang' . It is these officers who are still able to live comfortably even with their merger pension and still able to enjoy golf full time like sudara Nor.

Also don't think being frugal is being 'kedukot' frugal means to be able to manage your finance prudently.

PALAPES Cadet Oficer : Salam, sir. Can i ask u about UGAT in Airforce? Because my fiancee (airmen) had been posted to Labuan for almost 1 year but hadn't received his pay slip yet. Pls help me. TQ, sir.